Steve Durbin

CEO and Co-Founder of @rytchain
President of Quail Bend Capital Partners

[Steve Durbin @SteveDurbin]

Great interview from my cofounder @Jeff_Mahony this week on The Future of Trust with Mat Yarger.

In the interview, Jeff shares many personal stories. He also talks about how he thinks about opportunity and who gets access to it - the same question behind why we built RYT as a gas-free layer 1.

Give it a listen here: https://t.co/27Zf5TXmkT

[Steve Durbin @SteveDurbin]

Europe’s move to T+1 will reduce settlement risk, but it will also test the limits of fragmented market infrastructure.

With less time for reconciliation, FX funding and securities lending, firms will need more than faster versions of existing processes.

My latest interview with @BlockTelegraph - https://t.co/6vlF31H5g9

#TPlusOne #CapitalMarkets

[Steve Durbin @SteveDurbin]

LATAM shows what real stablecoin adoption looks like.

71% of Latin American institutions use stablecoins for cross-border payments — the highest regional adoption rate globally, according to a new Digital Chamber report.

Why? The use case already works: faster settlement, lower costs, dollar access, and better rails for remittances, treasury, and B2B payments.

Real adoption starts where the pain is highest.

https://t.co/g2U04aghB7

[Steve Durbin @SteveDurbin]

Tokenized real-world assets grew 589% from early 2025 to June 2026, reaching $31.8B (@binance Research), even as crypto markets pulled back.

Most coverage asks what this means for Wall Street. We ask who else these rails can reach: savings, payments, and identity for the billions still outside the system.

https://t.co/SpyHTjTZeC

[Steve Durbin @SteveDurbin]

For decades, proving who you are at a border meant trusting a piece of paper. Blockchain changes what gets trusted.

A public, tamper-proof ledger holds cryptographic signatures and revocation states. No personal data on the chain. Nothing for hackers to steal.

This is what @RYTchain builds. Thanks @BlockTelegraph for the great article.

https://t.co/YseoCv1uXH

[Steve Durbin @SteveDurbin]

The FDIC proposed BSA and sanctions standards for stablecoin issuers it regulates.

This is the third rule in the sequence.

Application process.
Capital, liquidity, and risk.
Now AML, sanctions, reporting, supervision, and enforcement.

Stablecoin issuers are being pulled closer to the banking compliance perimeter. Not light-touch oversight.

Firms with real transaction monitoring and sanctions screening will have an advantage. Firms without it are looking at a serious build.

https://t.co/xQFTsdg22S

[Steve Durbin @SteveDurbin]

AI is moving quickly, but trust is still the hard part.

My @RYTchain cofounder @Jeff_Mahony joined AI Unfiltered to discuss where AI and blockchain intersect, from sovereign infrastructure and financial access to supply chains, voting, and healthcare.

As AI becomes more embedded in decision-making, the integrity of the data underneath it matters just as much as the intelligence built on top.

https://t.co/PZnPg25e1x

[Steve Durbin @SteveDurbin]

Grateful to see @RYTchain featured in @GritDaily this week.

Only 26% of state CISOs feel confident defending against AI-enabled threats. Hundreds of underfunded databases, each running their own security, is the problem not the starting point.

https://t.co/cxB3hVd4YU

[Steve Durbin @SteveDurbin]

July 4 is the new target for CLARITY Act House passage. Senator Gillibrand reads it a few weeks longer, first week of August.

Yield compromise closed. Conflict-of-interest provision still being worked.

Witt at the White House: "not a lot of slack left in the rope," but achievable.

Close enough to plan around.

https://t.co/xSrN4RiiKk

[Steve Durbin @SteveDurbin]

Spent years in private equity, hedge funds, and investment banking before co-founding @RYTchain.

The same thing kept coming back. Financial systems carry huge friction and cost, and the industry has just learned to work around it. Settlement in days. Value lost on every cross-border payment. Billions locked out.

A problem worth solving.

@MikeyPeres let's talk again soon 👇

https://t.co/CilqPkB4Hw

[RYT Chain @RYTchain]

Stablecoins moving B2B payment volume is one of crypto's strongest product-market fits in 2026.

But many L1s are still pitched at crypto-native users. However institutional buyers running that flow want different infrastructure.

[RYT Chain @RYTchain]

General-purpose L1s are starting to lose the argument.

Tempo was built for stablecoin payments. Hyperliquid for perps. The chains pulling institutional flow are purpose-built for a defined buyer.

Sovereign settlement is the same story, just a different counterparty.

[Steve Durbin @SteveDurbin]

Great article from my cofounder @Jeff_Mahony at on two trends defining Web3 in 2026:

➡️ Stablecoins maturing into distinct payment and tokenized asset functions
➡️ Enterprise AI shifting from generative to explainable.

The common thread is that trust is becoming measurable. Settlement flows, audit trails, and interpretability are showing up as procurement requirements rather than nice-to-haves.

Worth a read, via @Forbes - https://t.co/pzaOZVhg6H

[RYT Chain @RYTchain]

Most of the world has never used a blockchain. Not because they don't need it, but because of the friction in getting onchain.

We built RYT so none of that exists. You just use it. Architecturally gas-free, zero prerequisites, open to anyone.

[Steve Durbin @SteveDurbin]

@MorganStanley launched a BTC ETF at 0.14% - lowest fee in market, undercutting @BlackRock by 11bps.
$100M first week, their strongest ETF debut ever.

When traditional finance moves from "if clients want it" to "how do we dominate it," you know the category changed. The accommodation phase is over.

https://t.co/3eajU6H45Q

[RYT Chain @RYTchain]

Four years ago Anchor held $17 billion in deposits and pitched 20% APY as a savings product to people who'd never bought a token before.

When UST collapsed in May 2022, the industry didn't just lose money. It lost permission to ask normal people to trust it with their savings.

That's the wound that never healed:
https://t.co/97rb7PYt8L

[Steve Durbin @SteveDurbin]

@FannieMae just moved crypto into mortgage underwriting.

Borrowers can now use assets like BTC or stablecoins as collateral instead of liquidating into cash.

That changes the flow.

Crypto stays on balance sheet while still unlocking access to housing. No forced selling tied to large purchases.

At scale, this matters. Fannie Mae sits at the center of the U.S. mortgage market.

Even small shifts here start pulling crypto into the credit system.

Once assets support borrowing at this level, they move from speculative to structural in how capital flows.

https://t.co/dFXPSCVYP2

[RYT Chain @RYTchain]

RYT's identity infrastructure uses W3C Verifiable Credentials and zero-knowledge proofs.

Those are terms that get thrown around a lot in blockchain identity so this thread explains what they actually mean for the person holding the credential and the government issuing it.

[Steve Durbin @SteveDurbin]

The Office of the Comptroller of the Currency is opening a path for crypto firms to obtain national trust bank charters.

@Ripple and @cryptocom are already pursuing approvals.

National trust charters allow crypto firms to operate regulated custody and payment services inside the U.S. financial system.

Traditional banks are pushing back. They see new entrants gaining access to financial infrastructure without following the same legacy models.

Crypto companies now face a different set of expectations.

➡️ Regulatory oversight increases.
➡️ Operational standards increase.
➡️ Accountability increases.

The next phase of the industry will depend on execution inside regulated environments.

Platforms that support compliance, reliability, and scale will define the outcome

https://t.co/z1uby64LV3